*Securities, insurance products and advisory services are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Investments are: • Not FDIC/NCUSIF insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency. Cetera is not affiliated with the financial institution where investment services are offered. FINRA registered office at 2010 N. 1st Street, Suite 500, San Jose, CA 95131.

**You are protected from some downside risk, if the negative returns is in excess of the Segment Buffer, there is a risk of loss principal. Variable annuities will be discussed at this seminar. There are fees and charges associated with Segment Buffers which include a contract fee that covers administrative expenses, sales expenses and certain expense risk.